Bihar Gramin Bank KRISHNA BRAHMA IFSC Code

The KRISHNA BRAHMA branch of Bihar Gramin Bank is located in the Buxar district of Bihar. For anyone looking to send or receive money online to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code ensures that your funds transferred via National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS) reach the correct bank branch without any errors.

Branch Details

Merger and IFSC Update

Bihar Gramin Bank was formed by the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This new entity is sponsored by Punjab National Bank (PNB). As a result of this consolidation, all old IFSC codes belonging to the former UBGB and DBGB have been discontinued. It is crucial to use the new IFSC code, which starts with ‘PUNB’ to reflect the sponsor bank. For the KRISHNA BRAHMA branch, the only valid IFSC code for any online transaction is PUNB0MBGB06. Using an old code will result in a failed transaction.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code helps identify the specific branch involved in an online transaction, ensuring the money is routed correctly.

The structure of the IFSC code PUNB0MBGB06 can be broken down as follows:

• PUNB: The first four alphabetic characters represent the bank’s name. In this case, it stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use by the RBI.
• MBGB06: The last six characters are the branch identifier. This part of the code is unique to the KRISHNA BRAHMA branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using your bank’s mobile app or internet banking portal, the steps are generally the same.

1. Log into your net banking account or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section and select your preferred method (NEFT, RTGS, or IMPS).
3. Choose the option to add a new beneficiary or payee.
4. Enter the recipient’s details: their name, bank account number, and the account type (savings or current).
5. Carefully enter the IFSC code for the recipient’s branch. For the Bihar Gramin Bank KRISHNA BRAHMA branch, this would be PUNB0MBGB06.
6. After verifying all the details, confirm the addition of the beneficiary. You can now transfer funds to this account.

Benefits of Using the Correct IFSC Code

• Accurate Transactions: The primary benefit is ensuring that your money is sent to the exact intended bank branch, eliminating routing errors.
• Faster Processing: A valid IFSC code allows the electronic clearing system to process your transaction quickly and efficiently without manual intervention.
• Prevents Failed Payments: Using the correct code minimizes the chances of your transaction being rejected or delayed, saving you time and potential fees.
• Clear Identification: It serves as a definitive address for a bank branch in the digital banking world, making every transaction traceable to a specific location.

Contact Information

For any direct queries, you can contact the branch or the head office using the details below.

• Branch Contact Number: 9771464434
• Branch Address: KRISHNA BRAHMA, Buxar, Bihar – 802133
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA – 800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

What is the IFSC code for the Bihar Gramin Bank, KRISHNA BRAHMA branch?

The IFSC code is PUNB0MBGB06. This code is mandatory for all online fund transfers to this branch.

Why does the Bihar Gramin Bank IFSC code begin with ‘PUNB’?

Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The first four letters of the IFSC code represent the sponsor bank, which is why it starts with ‘PUNB’.

Can I still use an old IFSC code from Dakshin Bihar Gramin Bank (DBGB)?

No. All old IFSC codes from the pre-merger banks (Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank) are no longer valid. You must use the new ‘PUNB’ series IFSC code for all transactions to avoid failure.

What is the difference between NEFT and RTGS?

NEFT (National Electronic Funds Transfer) processes transactions in batches, which is suitable for smaller amounts and is not time-sensitive. RTGS (Real-Time Gross Settlement) processes transactions individually and in real-time, making it ideal for high-value, urgent transfers. Both require the correct IFSC code.

Where else can I find the IFSC code for a bank branch?

You can find the IFSC code printed on the cheque leaves issued by the bank, on the first page of your bank passbook, or by visiting the official website of the bank.

Kriti Kumari

Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.